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    • Hi welcome to the Forum.  If a PCN is sent out late ie after the 12th day of the alleged offence, the charge cannot then be transferred from the driver to the keeper.T he PCN is deemed to have arrived two days after dispatch so in your case, unless you can prove that Nexus sent the PCN several days after they claim you have very little chance of winning that argument. All is not lost since the majority of PCNs sent out are very poorly worded so that yet again the keeper is not liable to pay the charge, only the driver is now liable. If you post up the PCN, front and back we will be able to confirm whether it is compliant or not. Even if it is ok, there are lots of other reasons why it is not necessary to pay those rogues. 
    • Hi 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No  7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice' I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof?
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
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Virgin car insurance, stolen vehicle


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Hi guys, wondering if anyone can help me. I may be jumping the gun here as Virgin haven't contacted me yet re: my stolen car.

 

It was stolen from outside my house last night sometime. (Subaru Legacy)

 

I have never claimed on my insurnace and the last time (and only time) I had a car stolen was for a car not worth claiming for!!! There are a few q's I have and just wondered if anyone had any experience with this.

 

Firstly, I have fully comp insurnance and it mentions that they supply a courtesy car while mines in for repair, but I haven't had an accident, its been nicked! What happend then ? Am I still entitled to a courtesy car?

 

How will this claim affect my no claims?? Do they only take accidents into consideration or do TWOC's count againt it too?

 

I know I should be asking them all this but I cant be bothered to wait 3 days for a phone call!! If I cant have a courtesy car I need to look into buying a banger until my claim is sorted out!

 

Any help gratefully recieved,

 

Many thanks

 

Heidi

I am not a legal expert, any advice I give is based purley on experience or opinion.

Please tip the scales if you feel I have helped you!! :D

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Right.

 

No you will not be entitled to a courtesy carr whilst the vehicle is stolen unrecovered. If the vehicle is found, and in for repairs then you will get one.

 

Your no claims discount will be affected, unless the Police catch the thief, prosecute and the courts order him to pay the insurance company back -VERY RARE.

 

Also you should need to know your excess would be deducted from the settlement amount, and should you continue with the claim your premiums will still be payable until renewal - you need to know that if you decide not to get a replacement car and are paying monthly.

 

What we advise people in a similar situation to yourself is to go on virgins website & get yourself 2 quotes - 1 on the basis that you will have and extra years NCD (which you will get if the claim is withdrawn) and one on the basis your NCD has stepped back 2 yrs and a claim has been made. Multiply that by 3 (as the claim will stay on your policy for 3 years), add the excess to that, and that is what the claim will cost you.

 

If it is more than a cost of the car, and you can afford to buy a replacement car, then it would be best withdrawing the claim.

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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What does the red dot mean Craig?

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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Someone didn't like what advice I gave

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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:D Well I do like the advice you have given me... many thanks once again!

 

What does my green dot mean??

 

 

Heidi

I am not a legal expert, any advice I give is based purley on experience or opinion.

Please tip the scales if you feel I have helped you!! :D

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Oh heck! I committed a faux pas by telling someone they could claim £80 costs (im so used to doing this as part of my job) Im going o check the colour of my dot now

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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1 green dot means no one has complained - look at your USER CP and it will have your "reputation points".

 

Jayne - you're still green!

  • Haha 1

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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Im in Court on Mon at Sheff v a foundry close to you (I assume you are Sbridge South Yorks) not going to press the scales so you stay red as per your instructions. Do you work for 1 of the big assessors? Do the FSO actually have any weight with these people? Ive reported my insurers to them as they have taken months and still have to decide whether to pay my husbands Unemployment cover claim? He has been working for 6 weeks now put it that way

HSBC 1st preliminary letter £3692 10.10.06 LBA sent 24.10.06

HSBC 1st Preliminary Letter £3280 10.10.06 LBA sent 24.10.06

Capital 1 SADR 11.10.006

Halifax Visa SADR 11.10.06

CITI SADR 12.10.06

HSBC Gold card SADR 23.10.06

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  • 2 weeks later...

Well it still hasn't been found yet:-(

 

Isurance co. have sent a letter saying that they will settle the claim, but they want to send someone out to look at the car to help value it? There is no car to look at (well not yet anyway!!), please tell me this is a standard letter!

 

Heidi

I am not a legal expert, any advice I give is based purley on experience or opinion.

Please tip the scales if you feel I have helped you!! :D

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Oh dear!!!

 

UK Insurance strikes again!!!!!!

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

Link to post
Share on other sites

Well it still hasn't been found yet:-(

 

Isurance co. have sent a letter saying that they will settle the claim, but they want to send someone out to look at the car to help value it? There is no car to look at (well not yet anyway!!), please tell me this is a standard letter!

 

Heidi

 

As usual the last moron to look at your claim looked at the last entry which probably indicated that they are going to settle so they sent you a letter to arrange an inspection without realising it's nicked.

 

You would think the case reference alone would indicate the type of claim.

 

Also in the case of theft it's usual for the insurance company to wait 3 months before settling. This is to allow the police time to recover it.

 

Let the assessor turn up then tell him cos telling the insurer doesn't appear to be working

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Will do! Does left hand know what right is up to??? I think not!

 

Anyway, we shall see!

 

Thanks for the advice guys, much appreciated!

 

Heidi

I am not a legal expert, any advice I give is based purley on experience or opinion.

Please tip the scales if you feel I have helped you!! :D

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Got a phone call from the police yesterday, they have someone in custody who has addmitted to stealing my car!! But still cant find my car. Well I suppose its a start. I phoned Virgin this morning to advise, and was told I may even have my cq b4 xmas!!

 

This all seems too easy! They have given me a valuation, which I suppose is acceptable, and thats it really. Just have to wait and see now.

 

Heidi

I am not a legal expert, any advice I give is based purley on experience or opinion.

Please tip the scales if you feel I have helped you!! :D

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Is the valuation really acceptable? They will usually offer you less than they are willing to pay out first - at least that's what happened when I had my car nicked. First offer was £3k, I said it was worth £4... without delay they increased the offer to £3.5k. Got to be worth a try to push for a bit more.

___

MBNA VISA - PL sent 23/10

MBNA MCard - PL sent 23/10

FD - PL sent 23/10, offered approx 75% 27/10

Marbles - PL sent 23/10, rejected letter received 27/10

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I dont think its too bad TBH, they have offered me £2900. I paid £3000.00 for it 5 weeks before it was nicked! So I've lost £100 in 5 weeks, I dont think that is too unreasonable!

 

I hear what you are saying but I dont think its going to be worth pushing.

I am not a legal expert, any advice I give is based purley on experience or opinion.

Please tip the scales if you feel I have helped you!! :D

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